Privacy Policy

Credit and Debt knows you expect privacy and security for your nonpublic personal information. We respect your privacy and are committed to treating your information responsibly.

HOW WE PROTECT YOUR PRIVACY

This Privacy Policy tells you how we collect, use, and protect your personal information. By visiting our website you accept and agree to the terms and conditions of this Privacy Policy. In particular, you consent to our collection and use of your personal information as described in this Privacy Policy.

INFORMATION WE COLLECT ABOUT YOU

Like most places on the Internet, simply by visiting our website you automatically tell us certain information. This includes basic information such as your IP address, when you visited, the website from where you came prior to visiting us, the website where you go when you leave our website, your computer’s operating system, and the type of web browser that you are using. Our website automatically records this basic information about you.

And like many other websites, we may use cookies. In plain English, this means information that our website’s server transfers to your computer. This information can be used to track your session on our website. Cookies may also be used to customize our website content for you as an individual. If you are using one of the common Internet web browsers, you can set up your browser to either let you know when you receive a cookie or to deny cookie access to your computer.

We may also collect any data that you provide us by posting it at our website or by email. You can always choose not to provide us with information. However, if you do withhold information, we may deny you access to some or all of our website’s services and features.

Some transactions between you and our website may involve payment by credit card, debit card, checks, money orders, and/or third party online payment services. In such transactions, we will collect information related to the transaction as part of the course of doing business with you, including your billing address, telephone number, and other information related to the transaction.

In order to perform the services you have requested, we will ask you to provide us with certain information, such as your social security number, bank account information, home address, and date of birth. We may collect this information from you over the telephone, via the Internet, via email or by asking you to complete a Engagement Agreement or other related document(s). We also may receive information about you from a third party that provided services to you prior to Credit and Debt.

We do not provide services or sell products to children. If you are below the age of 18, you may use our website only with the permission and active involvement of a parent or legal guardian. If you are a minor, please do not provide us or other website visitors with any personal information.

WHAT WE DO WITH YOUR INFORMATION

We use your information to operate our website’s business activities. For example, we may use this data to contact you about changes to our website, new services, or special offers, resolve disputes, troubleshoot issues, and enforce our website’s terms and conditions.

POLICY IS PART OF OUR TERMS AND CONDITIONS OF USE

Our Privacy Policy is part of, and subject to, our website’s terms and conditions of use. You may view these terms and conditions on our website.

INFORMATION WE SHARE ABOUT YOU WITH OTHER THIRD PARTIES

The information we collect about you may be shared with other third parties, on a need-to-know basis, to perform the services authorized by the Engagement Agreement and to help you manage your accounts. To the extent we use any third parties to assist us in providing services to you and those services require us to disclose any of your nonpublic personal information, we will require the third party service provider to execute an agreement to protect the confidentiality of your information to the same extent set forth herein. The third parties with whom we may share your information include:

Members of the Credit and Debt family of companies.

Your creditor(s).

Credit and Debt’s bank or financial institution.

Other parties that may assist us in providing services to you or that may help us with our business operations.

Other parties with your consent or by your direction.

We may also share your information with law enforcement officials, government officials, or other third parties when (1) we are compelled to do so by a subpoena, court order or similar legal process; (2) we are required to comply with the law; and/or (3) we suspected illegal activity, or to investigate a violation of your Engagement Agreement. For the purpose of marketing analysis, we may use portions of your information for internal statistical reporting on our client base. This type of analysis would not reveal any information that would identify you personally.

HOW WE PROTECT YOUR INFORMATION

We maintain the highest standards of physical, electronic, and procedural safeguards to protect your non-public personal information. In all cases, we will make a reasonable effort to limit the collection of information to that which is required in order to deliver quality service to you. Credit and Debt will not sell or market your non-public personal information to third parties without your consent and will not share information about you with non-affiliates (companies outside the Credit and Debt family of companies) except as otherwise set forth herein or as permitted by law.

FORMER CUSTOMERS

We do not share information about our former customers with companies outside our organization except as permitted by law.

HOW TO CONTACT US ABOUT YORU PRIVACY QUESTIONS

We do not share information about our former customers with companies outside our organization except as permitted by law.

HOW TO CONTACT US ABOUT YOUR PRIVACY QUESTIONS

We appreciate your business and want you to understand our commitment to maintaining the privacy of your non-public personal information as expressed in our Privacy Policy. If you have questions about this Privacy Policy, please contact our Customer Service Department at 239-676-5990.